The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$59,826
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$61,687
−HK$1,890/mo
Today · 4.125%
HK$63,577
baseline
▲ 0.50% · 4.625%
HK$67,446
+HK$3,869/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$127,154/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,556
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$68,341
−HK$1,810/mo
Today · 4.125%
HK$70,151
baseline
▲ 0.50% · 4.625%
HK$73,849
+HK$3,698/mo
Deposit HK$13.12M · loan HK$13.12M · min. income ≈ HK$140,302/mo (50% DSR)
Upfront cash ≈ HK$14.23M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,791
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$74,024
−HK$2,269/mo
Today · 4.125%
HK$76,293
baseline
▲ 0.50% · 4.625%
HK$80,935
+HK$4,642/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$152,586/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,867
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$82,009
−HK$2,173/mo
Today · 4.125%
HK$84,182
baseline
▲ 0.50% · 4.625%
HK$88,619
+HK$4,437/mo
Deposit HK$10.49M · loan HK$15.74M · min. income ≈ HK$168,364/mo (50% DSR)
Upfront cash ≈ HK$11.61M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,756
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,647/mo
Today · 4.125%
HK$89,008
baseline
▲ 0.50% · 4.625%
HK$94,424
+HK$5,416/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$178,016/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,178
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,677
−HK$2,535/mo
Today · 4.125%
HK$98,212
baseline
▲ 0.50% · 4.625%
HK$103,389
+HK$5,177/mo
Deposit HK$7.87M · loan HK$18.37M · min. income ≈ HK$196,424/mo (50% DSR)
Upfront cash ≈ HK$8.99M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,686
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$111,036
−HK$3,403/mo
Today · 4.125%
HK$114,439
baseline
▲ 0.50% · 4.625%
HK$121,403
+HK$6,964/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$228,878/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,800
−HK$6,472/mo
▼ 0.25% · 3.875%
HK$123,013
−HK$3,259/mo
Today · 4.125%
HK$126,272
baseline
▲ 0.50% · 4.625%
HK$132,928
+HK$6,656/mo
Deposit HK$2.62M · loan HK$23.61M · min. income ≈ HK$252,544/mo (50% DSR)
Upfront cash ≈ HK$3.74M (deposit + AVD stamp duty HK$1,115,048 · Scale 2, in force from 26 Feb 2026)